I doubt this is an internet searchable issue. Call a local State Farm or Farmers agent.

You need a new homeowners' policy with a company that also has course of construction coverage. There may be time limits, safety inspections, move out requirements.

Your contractors should have workers comp by law if they have employees, general liability up to $2 mil is also typical but not law.

I do have permits and my contractor has liability insurance and is bonded. I am doing everything by the book but didn’t know I needed builders risk insurance before starting my project. I just have regular home insurance and since it’s the weekend I can’t do anything. Will be making phone calls on Monday.

"Insurance doesn’t cancel you for ”remodeling”."

Insurance can and will cancel you for moving out of your home. In fact, they do so quite regularly. The OP mentioned that no one can live in the house while it is being renovated. Many homeowner's policies will not cover unoccupied homes, even the insurance I have for rental properties allows only short unoccupied periods. Your best bet is simply talk to local insurance brokers and see what they suggest. Your bigger problem is going to be homeowner's insurance, often construction policies for remodels will only pay after homeowner's policy.

I suspect you need a homeowner's policy with a vacant home endorsement (rider) and construction endorsement (rider). The price is probably going to get your attention.

Typically, you must notify the bank if the home's value will fall below the appraisal value for the loan at any time during the remodel or if the nature of the home changes. E.g. single family home to multi-family home or teardown and rebuild. Very few people ever notify their bank.

I already started construction...am worried no one will insure me because i already started...and am worried the mortgage will want me to pay in full due to the fact I have no insurance.

You can find insurance. You are probably going to have to move off the typical mainstream path and may have to do a little extra legwork, but someone will insure your home. Remodeling a home isn't that strange... you are not blazing new trails here, just looking for the path many others have taken.

Does anyone know of any insurance companies that would insure me as a homeowner? not a business. Ive been looking around online but all of them seem to be for businesses only. I came across Zurich, I dont know if theyre any good but am kind of desperate.

Since my mortgage requires insurance do they typically require proof of builders risk insurnace and then change to home owners once the construction is done? Or do they need both? I'll have to call them tomorrow since they are closed today...

My project price is 450,000...

Try Liberty Mutual. That is who our policy is through. Be very clear that you want a builder's risk policy, it is a separate dept from the homeowners policies. They gave me the wrong policy the first time I called, even the agent and I had an entire conversation about my home build.

so do I need a homeowners insurnace plus a separate builders risk insurance? I thought I only needed a builders risk insurance during my renovation and then switch it to a regular home owners insurnace once my project is completed and we move in.

and thank you to everyone that has replied. I am getting a better understanding.

Typically my clients have a regular homeowners policy w a rider if needed.

A builder's risk policy is typically used when you are having a new home constructed. A homeowner's policy with a construction endorsement is what you likely need.

Yup got the call that my homeowners insurance is going to drop me. I already saw that coming though. I have contacted an independent insurance agent and she said she can help me so I’ll update later on how this all turns out.

Call a commercial insurance broker. Zurich is a good company, can't tell you if they will give you what you need.

We use an independent agent and found them to be very helpful. We are building a new home, so it is a different issue than yours, but we are required to have builders risk policy as well. They will move it back to a regular homeowners policy once it is habitable. The builders risk policy is much more expensive

At this point, this is an emergency. Your mortgage requires that the dwelling be insured. Find what you can, at whatever price, before your current company notifies the mortgage company that they are canceling.

"At this point, this is an emergency"

California law requires that insurance companies give homeowners a written notice of cancelation at least 75 days prior to cancelation and must list the specific reason for non-renewal. It might be an emergency or it might be no big deal depending on where the OP currently is in the cancelation and appeals process.

My homeowners insurance is going to be cancelled in 30 days. I am working with an independent agent and she helped me submit an application for builders risk insurance and then I’ll have to update that with my mortgage whenever I choose which company I want. Annoying but getting it done.
I got a few quotes on my own and they were around $5000-8000 ;[

When I had a kerfuffle with my homeowners' insurance due to remodeling, my incompetent agent managed to get them to cancel me due to mistaken assumptions and the world's worst communication. She said other companies would only cover me with a much-increased premium and then didn't respond for weeks at a time as the clock ran out on coverage. My nerves don't allow me to let my house go uncovered, so in a panic, I reached out to the company insuring my car at the time - MetLife. I already had history with them, and I have a very good credit rating, and they very nicely came back promptly with an offer to cover my house same day, for the same amount I'd been paying.

SUMMARY: Try an insurance company where you already have a relationship as a known customer for another type of insurance.

so heres an update. I found a very helpful insurance agent who was able to get me a builders risk policy. I just sent over the policy documents to my mortgage so hopefully that gets straigtened out. Wasnt cheap though, it was almost $4000.

If anyone finds this, I hope you learn from my mistake and please get builders risk insurance BEFORE you start your project. It will be much cheaper than trying to get it in the middle of your project...like me...

Suzy Lee -- who did you eventually get a policy through?

Wow, just seeing this, but was doing the same research a couple of years ago. We contacted our agent prior to starting the remodel (complete gut to the studs, we were out of the house for 6-9 months), and they just had to add a vacancy rider to the policy that cost very little. Prior to moving back in we updated the insured value based on the remodel we did and the preimum actually went down because we replaced all the major mechanicals. We're in TX and with State Farm. Believe if the remodel lasted more than a year it would have not been so easy and may have required the builders risk route instead.